2260 Madison St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2260 Madison St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,955 sqft · built 1959
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Last Sale	$1,957,000 (Apr 2024)
Tax Bill	$20,853 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Oct 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`023-068-024`

Property Details

APN / Parcel Number

Primary APN	`023-068-024`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,955 sqft Living Area
1st Floor Area	1,955 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Wood
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	2260 MADISON ST
City	CAMBRIA
State	CA
Zip	93428-4514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 61 BL 4 LT 14 & PTN LT 13
Legal Subdivision	TRACT NO 61
Legal Tract	61
Legal Block	4
Legal Lot Number	14,13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1030
Census Tract	10403

Owner

Source: San Luis Obispo County records, as of August 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3094 VERMONT AVE, CLOVIS, CA 93619-0441
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2024	Grant Deed, Transfer · Conventional Mortgage ALAMEDA MORTGAGE CORP
Oct 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 31, 2018	Deed of Trust, Mortgage · ARM HOMESTREET BANK
May 11, 2018	Deed of Trust, Mortgage · ARM PNC BANK NA
Feb 25, 2019	Intrafamily Transfer, Transfer · ARM PNC BANK NA
Jan 5, 2018	Quit Claim Deed, Transfer PROVIDENT TITLE
Oct 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage PRAGMA INVESTMENTS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2024 · Amount on Record
Deed Sale	Apr 3, 2024 · Amount on Record
Prior Sale	Dec 9, 2004 · Amount on Record
Deed Document Number	20248608
Prior Transfer Date	Sep 24, 2021
Prior Transfer Doc	0000067137
Record Updated	Sep 20, 2026

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 3, 2024
Property Address	2260 MADISON ST, CAMBRIA, CA 93428-4514
Document Number	0000008608
Map Reference	MB 5 PG 78
Instrument Date	Mar 5, 2024
Instrument	2024008608
Transaction Type	Transfer
Record Updated	Apr 15, 2024
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3094 VERMONT AVE, CLOVIS, CA 93619-0441

Mortgage

Document Number	0000008609
Date	Apr 3, 2024
Instrument	2024008609

Lender

Name	ALAMEDA MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 4, 2021
Property Address	2260 MADISON ST, CAMBRIA, CA 93428-4514
Document Number	0000067137
Map Reference	MB 5 PG 78
Instrument Date	Sep 24, 2021
Instrument	2021067137
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2260 MADISON ST, CAMBRIA, CA 93428-4514

Mortgage

Document Number	0000067138
Date	Oct 4, 2021
Instrument	2021067138

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2260 MADISON ST, CAMBRIA, CA 93428-4514
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004015
Date	Jan 31, 2018
Instrument	2018004015

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Feb 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2260 MADISON ST, CAMBRIA, CA 93428-4514
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019226
Date	May 11, 2018
Instrument	2018019226

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 25, 2019
Property Address	2260 MADISON ST, CAMBRIA, CA 93428-4514
Document Number	0000006515
Map Reference	MB 5 PG 78
Instrument Date	Feb 20, 2019
Instrument	2019006515
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CHICAGO TITLE CO IRVINE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2260 MADISON ST, CAMBRIA, CA 93428-4514

Mortgage

Document Number	0000006516
Date	Feb 25, 2019
Instrument	2019006516

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 5, 2018
Property Address	2260 MADISON ST, CAMBRIA, CA 93428-4514
Document Number	0000000589
Instrument Date	Jan 4, 2018
Instrument	589
Transaction Type	Transfer
Record Updated	Jan 12, 2018
Title Company	PROVIDENT TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	945 ELLINGTON LN PASADENA CA 911052742, PASADENA, CA 91105-2742

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2260 MADISON ST, CAMBRIA, CA 93428-4514
Document Number	0000048202
Instrument Date	Oct 16, 2017
Transaction Type	Mortgage
Record Updated	Nov 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 ELLINGTON LN PASADENA CA 911052742, PASADENA, CA 91105-2742

Mortgage

Document Number	0000048202
Date	Oct 20, 2017
Instrument	48202

Lender

Name	PRAGMA INVESTMENTS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Unified School District	Coast Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,984,042 (+2%) Land $1,144,440 Building $839,602
2025	$20,853.00 (+75.22%)	$1,945,140 (+77.29%) Land $1,122,000 Building $823,140
2023	$11,901.00 (+1.98%)	$1,097,130 Land $751,614 Building $345,516
2022	$11,670.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1983–2023)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CAMBRIA COMM SERVICES DIST serves 6,038 people · EPA ID CA4010014
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jul 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 382 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Astound Broadband.

Cell Coverage

4G LTE only, no 5G reported

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